EBA欧洲银行-ES_549300OLBL49CW8CT155_TR_2015_21页_1mb

报告摘要

2015 EU-wide Transparency Exercise Summary - Ibercaja Banco

Core Information

Bank Name: Ibercaja Banco
LEI Code: 549300OLBL49CW8CT155
Country Code: ES (Spain)

Capital Structure

Own Funds

As of 31/12/2014: 2,905 mln EUR
As of 30/06/2015: 2,900 mln EUR
Core Regulation: Articles 4(118) and 72 of CRR

Common Equity Tier 1 (CET1) Capital

As of 31/12/2014: 2,746 mln EUR
As of 30/06/2015: 2,801 mln EUR
Core Regulation: Article 50 of CRR

Capital Instruments Eligible as CET1

As of 31/12/2014: 2,612 mln EUR
As of 30/06/2015: 2,612 mln EUR
Core Regulation: Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR

Retained Earnings

As of 31/12/2014: -64 mln EUR
As of 30/06/2015: -5 mln EUR
Core Regulation: Articles 26(1) point (c), 26(2) and 36(1) points (a) and (f) of CRR

Accumulated Other Comprehensive Income

As of 31/12/2014: 303 mln EUR
As of 30/06/2015: 126 mln EUR
Core Regulation: Articles 4(100), 26(1) point (d) and 36(1) point (f) of CRR

Other Reserves

As of 31/12/2014: 3 mln EUR
As of 30/06/2015: 3 mln EUR
Core Regulation: Articles 4(117) and 26(1) point (e) of CRR

CET1 Capital Deductions

Intangible assets (including Goodwill): -209 mln EUR (both dates)
DTAs that rely on future profitability: -278 mln EUR (31/12/2014), -313 mln EUR (30/06/2015)
Excess deduction from AT1 items over AT1 Capital: -163 mln EUR (31/12/2014), -122 mln EUR (30/06/2015)
Deductible DTAs from temporary differences: 0 (both dates)
IRB shortfall of credit risk adjustments: 0 (both dates)
Defined benefit pension fund assets: 0 (both dates)
Reciprocal cross holdings: 0 (both dates)
Adjustments to CET1 due to prudential filters: 0 (both dates)

Transitional Adjustments to CET1

Grandfathered CET1 instruments: 407 mln EUR (both dates)
Additional minority interests: 0 (both dates)
Other transitional adjustments: 143 mln EUR (31/12/2014), 301 mln EUR (30/06/2015)

Tier 1 Capital

As of 31/12/2014: 2,746 mln EUR
As of 30/06/2015: 2,801 mln EUR
Core Regulation: Article 25 of CRR

Tier 2 Capital

As of 31/12/2014: 159 mln EUR
As of 30/06/2015: 99 mln EUR
Core Regulation: Article 71 of CRR

Total Capital

As of 31/12/2014: 11.78%
As of 30/06/2015: 11.95%
Core Regulation: CA3 (5)

Risk Exposure Amounts

Total Risk Exposure Amount: 24,664 mln EUR (31/12/2014), 24,269 mln EUR (30/06/2015)
Core Regulation: Articles 92(3), 95, 96 and 98 of CRR

Credit Risk

Risk Exposure Amount: 22,726 mln EUR (31/12/2014), 22,326 mln EUR (30/06/2015)
Core Regulation: Articles 92(3), 95, 96 and 98 of CRR

Securitisation Risk

Risk Exposure Amount: 1,106 mln EUR (31/12/2014), 334 mln EUR (30/06/2015)
Core Regulation: Article 338.3 of CRR

Operational Risk

Risk Exposure Amount: 1,818 mln EUR (both dates)

Other Risk Exposure Amounts

Risk Exposure Amount: 0 (both dates)

Profit and Loss (P&L)

Operating Income

As of 31/12/2014: 1,306 mln EUR
As of 30/06/2015: 553 mln EUR

Interest Income

As of 31/12/2014: 1,168 mln EUR
As of 30/06/2015: 485 mln EUR

Interest Expenses

As of 31/12/2014: 604 mln EUR
As of 30/06/2015: 219 mln EUR

Net Fee and Commission Income

As of 31/12/2014: 334 mln EUR
As of 30/06/2015: 175 mln EUR

Gains or Losses on Derecognition

As of 31/12/2014: 458 mln EUR
As of 30/06/2015: 93 mln EUR

Gains or Losses on Financial Assets Held for Trading

As of 31/12/2014: 3 mln EUR
As of 30/06/2015: 1 mln EUR

Gains or Losses from Hedge Accounting

As of 31/12/2014: -17 mln EUR
As of 30/06/2015: -1 mln EUR

Exchange Differences

As of 31/12/2014: 0
As of 30/06/2015: -1 mln EUR

Net Other Operating Income/(Expenses)

As of 31/12/2014: -48 mln EUR
As of 30/06/2015: 11 mln EUR

Total Operating Income, Net

As of 31/12/2014: 1,306 mln EUR
As of 30/06/2015: 553 mln EUR

Administrative Expenses

As of 31/12/2014: 718 mln EUR
As of 30/06/2015: 280 mln EUR

Depreciation

As of 31/12/2014: 57 mln EUR
As of 30/06/2015: 28 mln EUR

Provisions or Reversal of Provisions

As of 31/12/2014: 6 mln EUR
As of 30/06/2015: 64 mln EUR

Profit or Loss Before Tax

As of 31/12/2014: 215 mln EUR
As of 30/06/2015: 99 mln EUR

Profit or Loss After Tax

As of 31/12/2014: 151 mln EUR
As of 30/06/2015: 70 mln EUR

Credit Risk - Standardised Approach

Standardised Total Risk Exposure Amount: 22,726 mln EUR (31/12/2014), 22,326 mln EUR (30/06/2015)

Credit Risk Breakdown

Central Governments or Central Banks: 22,726 mln EUR (31/12/2014), 22,326 mln EUR (30/06/2015)
Regional Governments or Local Authorities: 1,500 mln EUR (31/12/2014), 1,513 mln EUR (30/06/2015)
Public Sector Entities: 3,147 mln EUR (31/12/2014), 3,217 mln EUR (30/06/2015)
Multilateral Development Banks: 0 (both dates)
International Organisations: 410 mln EUR (31/12/2014), 407 mln EUR (30/06/2015)
Institutions: 1,490 mln EUR (31/12/2014), 1,675 mln EUR (30/06/2015)
Corporates: 4,332 mln EUR (31/12/2014), 4,643 mln EUR (30/06/2015)
Retail: 5,968 mln EUR (31/12/2014), 6,105 mln EUR (30/06/2015)
Secured by Mortgages on Immovable Property: 21,559 mln EUR (31/12/2014), 22,742 mln EUR (30/06/2015)

Credit Risk - IRB Approach

IRB Total Risk Exposure Amount: 0 (both dates)

Sovereign Exposure

Total Sovereign Exposure: 0 (both dates)
Core Regulation: Articles 4(109), 36(1) point (e) and 41 of CRR

Summary of Key Financial Metrics

Common Equity Tier 1 Capital Ratio: 11.13% (31/12/2014), 11.54% (30/06/2015)
Tier 1 Capital Ratio: 11.13% (31/12/2014), 11.54% (30/06/2015)
Total Capital Ratio: 11.78% (31/12/2014), 11.95% (30/06/2015)

展开完整摘要